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Discover the root cause of your fertility problems

Once we know the source of your fertility issues, we will design your treatment plan to directly address them and give you the best possible chance for a healthy, complication-free pregnancy.
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Client of Kofinas Fertility Group with her child born after preconception counseling services

Insurance & Financial

Kofinas Fertility Group’s financial counselors will help you afford to start an amazing family.

Navigating the financial aspects of fertility care is typically the last thing anyone wants to deal with when they’re struggling to bring home a child. We at Kofinas Fertility Group in New York completely understand your reluctance, which is why we’ve done everything possible to make the payment and insurance processes involved with your care as upfront and smooth as possible. It’s important for you to focus on your future child, not the formalities and technicalities of modern medical care.

Consult with our knowledgeable and compassionate financial counselors.

In order to help facilitate your payment and insurance questions, you will meet with one of our financial counselors who will help you work out the details of your care. Our counselors are familiar with a wide range of different insurance plans, and they’ll work with you to figure out a plan that’s right for your budget.

If you don’t have insurance, or your insurance doesn’t cover fertility care, don’t despair. We offer a number of different fertility care plans and packages that maximize the cost-effectiveness of your treatment. Also, your financial counselor will guide you through the options available to you. Like everyone else at Kofinas Fertility Group, our financial counselors want nothing more than to see you finally achieve a successful pregnancy and start a wonderful new chapter in your life. If there’s a way to get you the care you need, we’ll figure it out.

Financial information for Kofinas Fertility Group is conveniently available online.

We’ve compiled all pertinent financial information into the following web pages. Learn about each topic by clicking the appropriate link:

  • Cost & payment – Get prices for each of our advanced fertility treatments as well as for package offers. We explicitly tell you what each treatment plan does and does not cover in order to decrease stress due to potential unknown costs.
  • Insurance – Insurance coverage for fertility treatments can be hit-and-miss. For example, some insurance plans will cover fertility assessments but not therapies. On this page, we’ll give you the full story on insurance coverage as it pertains to our care.
  • The IVF cycle fee includes One (1) fresh cycle and unlimited frozen cycles (using all frozen embryos) until a viable 14 week pregnancy is achieved.

Proper HealthCare Lending Fertility Procedures and Surrogacy

If you have any questions about the financial aspects of fertility care, or to request an appointment,
call 718-736-2218. You can also request an appointment using our easy online form.

Cost & Payment

Building New York families with competitive pricing on fertility treatments

We at Kofinas Fertility Group understand that fertility treatment can be financially and emotionally stressful. We want you to keep your focus on starting a new chapter in your life, not the cost of your treatment. This is why we make sure our patients have a clear understanding of fees prior to the beginning of their treatment. Additionally, we want to ensure that our patients are fully informed regarding all financial options available to them.

Our goal is to do everything possible to ensure that the expense of fertility treatment does not factor into your treatment decisions. We do have options for patients without fertility insurance coverage that can make treatment more affordable and reduce your stress.

We offer an Insured IVF Success Program and third-party financing options.

Fertility programs, costs and what’s included in your care.

The costs of our affordable fertility programs are designed to give you the most accessible path to the family of your dreams.

For more information about our ovulatory function evaluation process, or to request an appointment,
call 718-736-2218. You can also request an appointment using our easy online form.

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Insurance

Insurance information for Kofinas Fertility Group in New York.

Fertility testing and treatments can be expensive and therefore require careful consideration and thorough understanding of the treatment options, costs involved, insurance coverage, and out-of-pocket expenses. We are very sensitive to the high cost of infertility treatment and the lack of coverage by most insurance plans. We are dedicated to keeping the costs of our services affordable for those who need our help.

We also offer several financial programs for patients who seek treatment but do not have insurance coverage.

Insurance coverage

Insurance coverage ranges from nonexistent to comprehensive. Each insurance company offers many different plans, and each plan has different policies regarding fertility coverage.

Understanding insurance benefits can be confusing for many people, especially when exploring fertility coverage. In most cases, those patients fortunate enough to have fertility coverage with their insurance plan are limited to a certain dollar amount or number of treatment cycles. It is important to review your insurance plan and make sure you understand what is paid for and what it is not. Always follow

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Fertility Insurance Mandate

The Fertility Mandate, starting January 2020, is now being covered by large group insurance plans. Click below to learn more about the mandate and how it could help you.

Insured IVF Success Program

Give yourself a great opportunity to start your family.

While most couples believe that you can’t put a price on a loving child, in vitro fertilization (IVF) can be a strain on your finances and is not a guaranteed procedure. Completing a series of expensive IVF cycles and still not getting pregnant is a worst-case scenario for many couples. Here at Kofinas Fertility Group in New York, we make your baby our priority, and we are highly sensitive to the risks involved, which is why we offer a 100% refund program.

For couples who medically qualify, we offer up to three fresh IVF or fresh donor-egg cycles — and as many frozen embryo transfer cycles as needed until you have achieved a viable 14-week pregnancy — for a fixed discounted fee.

What is the Insured Success IVF 100% Refund Guarantee Program?

Our Insured Success Program is an alternative to traditional fee-for-service payment for IVF. Many couples do not have insurance coverage that pays for IVF. As a result, the financial implications can be overwhelming should you require more than one cycle. Couples who choose this option and conceive in their first treatment cycle will end up paying higher costs than in the fee-for-service payment option, but couples who require more than one fresh IVF cycle to conceive will save considerable money.

It is important to understand that the Kofinas Fertility Group is not guaranteeing

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How does the program work?

If you don’t achieve a viable 14-week pregnancy or complete all available frozen embryo transfer treatment cycles, we will give you back 100% of the program fee. It’s up to you if you want to pursue other options such as egg donation (if you did not succeed with your own eggs), embryo donation, or adoption at that point.

We include many common costs, including the egg retrieval and embryo transfer procedures, as well as laboratory procedures such as an intracytoplasmic sperm injection (ICSI), cryopreservation (freezing) and thawing of embryos.

By us sharing the risk with you

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Do I qualify for the program?

We will screen couples for the program in exactly the same way that we diagnose couples who have infertility and/or recurrent miscarriage, including testing for diminished ovarian reserve, checking the female for anatomical problems and checking the male for sperm factors. Couples who complete the recommended evaluation and who are good candidates for IVF may be considered for the program, with final eligibility determined by our physician panel.

Candidates for the program are chosen based on the following criteria:

  • Women’s age – All IVF cycles must be completed prior

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IVF services included in the Insured Success 100% Refund Program fee.

The IVF cycle fee includes one (1) fresh cycle and unlimited frozen cycles (using all frozen embryos) until a viable 14 week pregnancy is achieved. all cryopreserved embryos have been used, from the start of medications to the first blood pregnancy test. This includes:

  • Oocyte retrieval and embryo transfer procedures
  • IVF facility fees for oocyte retrievals and embryo transfers
  • IVF laboratory services included
  • Embryo culture
  • ICSI, if appropriate
  • Blastocyst culture, if appropriate
  • Assisted hatching, if appropriate
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Services NOT included in the Insured Success Program.

  • IVF pre-cycle screening tests and office visits
  • Medications and their administration (injections)
  • IVF and FET cycle monitoring expenses
  • All non-IVF surgical procedures such as laparoscopy, myomectomy, surgical procedures on fallopian tubes and ovaries hysteroscopy, D&C, etc. (these procedures are usually gynecologic or obstetric in nature, and are covered by existing health insurance)
  • Costs of obtaining donor sperm, or costs for the surgical sperm retrieval when necessary
  • Anesthesia fees for egg retrieval or embryo transfer
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Withdrawal from the Program.

The patient is under no obligation to complete all three IVF treatment cycles. Patients can choose to withdraw from the program at any time, for any reason. In that situation, after you have used all your frozen embryos in conception attempts, we will refund the program fee minus the cost of the number of fresh IVF treatment cycles performed at the time of your withdraw – according to fee for service. Any unused balance remaining at the time of cancellation will be refunded. No balance will be due, however, if the fee for service equivalent amount for services already received is greater

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Disadvantages of the Insured IVF Success Program.

  • Patients who succeed after their first treatment cycle or first frozen embryo cycle will have paid more than the standard fee for service.
  • Certain costs still must be paid (see “Services NOT Included” section above) for each fresh or frozen treatment cycle, such as the cost of the fertility medications.
  • Requires a personal commitment and determination to complete all of the fresh and frozen IVF treatments within the 12-month contract

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New York Infertility Demonstration Program

New York State Department of Health Infertility Demonstration Program

Kofinas Fertility Group participates in the NYS Department of Health Infertility Demonstration Program, which provides financial support to insured patients without coverage for IVF and gamete intrafallopian tube (GIFT) transfer. The program also covers qualified privately insured individuals whose insurance for these procedures is exhausted or inadequate, and who have exhausted basic infertility services.

Under this program, individuals with insurance but without full infertility coverage (including In Vitro Fertilization – IVF) can obtain State of New York Department of Health financial support for an IVF cycle. The patients must meet certain criteria including being a New York State Resident between the ages of 21-44, be clinically infertile and other clinical and program criteria.

Services will be paid by the NYS, through the providers, with the exception of any insurance reimbursement available, and a cost sharing amount that the patients will be required to pay. This cost sharing amount varies by the patient’s household income and the cost of the procedures, but cannot exceed ten percent of the patient’s gross household income in any one year. Financial support is available on a sliding scale basis and extends to patients with household income up to $200,000. Patients interested in determining whether they are eligible for participation in the program should contact our office at 718-243-1600.

Still have questions? Talk to someone!